| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY3 Filed as: THE SEGAL CO. | — | TRANSAMERICA PREMIER LIFE INSURANCE COMPANY | $27K | — | $27K | 7.00% |
| THE SEGAL COMPANY3 Filed as: THE SEGAL CO. EASTERN STATES INC. | 33 W. 34TH ST NEW YORK, NY 10001 | SYMETRA LIFE INSURANCE COMPANY | $9K | $0 | $9K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HORIZON HEALTHCARE SERVICES, INC. EIN 22-0999690 NONE | Claims processing Service code 12 | — | $603K |
| BASYS INC. EIN 52-1796473 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $341K |
| THE SEGAL COMPANY, INC. EIN 13-1835864 NONE | Actuarial Service code 11 | — | $187K |
| WILLIAM KOLFENBACH EIN 22-6041517 EMPLOYEE | Plan Administrator Service code 14 | — | $170K |
| CLEARY, JOSEM & TRIGIANI EIN 23-2657967 NONE | Legal Service code 29 | — | $145K |
| CHARLES LAWSON EIN 22-6041517 EMPLOYEE | Employee (plan) Service code 30 | — | $139K |
| BENECARD NONE | Claims processing Service code 12 | 3131 PRINCETON PIKE LAWRENCEVILLE, NJ 08648 | $96K |
| MICHAEL ROSENSTOCK EIN 22-6041517 EMPLOYEE | Employee (plan) Service code 30 | — | $90K |
| ANDREW ROOS EIN 22-6041517 EMPLOYEE | Employee (plan) Service code 30 | — | $86K |
| BEATRIZ VENTURA EIN 22-6041517 EMPLOYEE | Employee (plan) Service code 30 | — | $85K |
| REIZA LOPEZ EIN 22-6041517 EMPLOYEE | Employee (plan) Service code 30 | — | $70K |
| ZULMA SANCLEMENTE-CONCHA EIN 22-6041517 EMPLOYEE | Employee (plan) Service code 30 | — | $70K |
| ROBERT NEROD EIN 22-6041517 EMPLOYEE | Employee (plan) Service code 30 | — | $64K |
| M.D. SASS ASSOCIATES EIN 13-2703405 NONE | Investment management Service code 28 | — | $58K |
| VICKI KAROLIS EIN 22-6041517 EMPLOYEE | Employee (plan) Service code 30 | — | $55K |
| JENNIFER HANIUK EIN 22-6041517 EMPLOYEE | Employee (plan) Service code 30 | — | $53K |
| MEDICAL HEALTH NETWORK EIN 95-4146179 NONE | Consulting (general) Service code 16 | — | $48K |
| ROSA NUNEZ-BATISTA EIN 22-6041517 EMPLOYEE | Employee (plan) Service code 30 | — | $46K |
| TANIA GUERRERO EIN 22-6041517 EMPLOYEE | Employee (plan) Service code 30 | — | $45K |
| JAMEL POWELL EIN 22-6041517 EMPLOYEE | Employee (plan) Service code 30 | — | $42K |
| FISCHER DORWART, P.C. EIN 23-2247478 NONE | Accounting (including auditing) Service code 10 | — | $42K |
| GAIL MORGAN EIN 22-6041517 EMPLOYEE | Employee (plan) Service code 30 | — | $36K |
| ERICA LAFORTE EIN 22-6041517 EMPLOYEE | Employee (plan) Service code 30 | — | $34K |
| HEALTH BENEFIT RESOURCES NONE | Consulting (general) Service code 16 | 45 WASHINGTON AVENUE LAWRENCE, NY 11559 | $30K |
| OLMEC EIN 22-3461295 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $28K |
| MORGAN STANLEY EIN 26-4310632 NONE | Investment management Service code 28 | — | $25K |
| JOSEPH R. PAGANO, PA EIN 22-2218660 NONE | Legal Service code 29 | — | $23K |
| J.J. PIERSON, P.C. NONE | Legal Service code 29 | 51 JOHN F KENNEDY PARKWAY SHORT HILLS, NJ 07078 | $15K |
| SEGAL SELECT INSURANCE SERVCES | Insurance brokerage commissions and fees Service code 53 | — | $4K |
| SEGAL SELECT INSURANCE | Insurance brokerage commissions and fees Service code 53 | — | $356 |
| SEGAL SELECT INSURANCE SERVICES EIN 46-0619194 NONE | Insurance agents and brokers Service code 22 | — | $0 |
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 1,263 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 22 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,285 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NJ, INC. | 1,283 | $2.0M |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 1,173 | $93K |
| Stop-loss / reinsurancereinsurance | TRANSAMERICA PREMIER LIFE INSURANCE COMPANY | 1,285 | $392K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,285 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.